Date Received: 2020-10-21
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Last year XX/XX/XXXX, I have refinanced my mortgage loan from USBank home mortgage to XXXX XXXX. USBank home mortgage has retained my escrow Balance amount and has not returned the amount back to my personal account. When called USBank in XX/XX/XXXX, they said they will send the amount in a check to my home address without an apology. They even said the exact amount they retained in the closed escrow account and that they are sending the amount in 2 weeks but its been more than 30 days and more than 15 months from the refinance closure that I have not received this escrow balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95678
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We have a 1st mortgage and a 2nd mortgage ( HELOC ) with US Bank ( www.usbank.com ) secured by our primary residence in XXXX, MN. Our monthly P & I payment for the two mortgages was {$3200.00} before we entered Covid-19 forbearance. If we could refinance at today 's lower interest rates, our monthly P & I for both mortgages ( 30-year fixed ) would be less than {$1600.00}. I have called US Bank multiple times ( transferred to multiple departments ) offering this " refinance of the two mortgages '' as a resolution to the forbearance and am told that we can not refinance our mortgages until we are out of forbearance and caught up on payments due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55408
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: We recently refinanced our home and paid off our HELOC with US bank. Several weeks later we found out that they had made a deposit into that account ( in error ) without our knowledge. Since we used this account only for home improvement draws we would have had no idea that this had happened. That account was paid and closed at end of Refi, they have reopened the account and made it negative XXXX $ to recoup their error money and are now charging us overdraft fees for being in the negative. I couldn't get much of an answer form the local branch other than they expected the balance to be paid in full in 60 days - we don't have this kind of money. When they reached out to tell us about this several weeks ago we had no idea what was going on so they said they would send us all of the documentation to back up their claim - they never did and reopened our account to negative in the meantime. This ( if it's accurate ) could have been easily handled when we did our refinance. This is their error not ours and now we will be facing collections if not paid in 60 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: On XX/XX/2019 I opened a claim agains US Bank stating that the data and latd payments they are reporting to the bureaus should be removed. No by haste, but to prior notarized agreement between myself and their company. On XX/XX/2019 I wrote US Bank in attempts of getting late payments forgiven and removed from my account. US Bank agrees and has since failed to do so. Please see attached. US Bank submitted documentation that seemed to revert from my directives completely ignoring said agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 253XX
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: The XXXX department sent the money to the program, USReliaCard, and the USReliaCard program from Florida has my money since XX/XX/2020. Total amount {$6800.00} but the card is blocked by https : //www.usbank.com/business-banking/business-services/business-prepaid-cards/government-disbursements.html USbank ReliaCard Cardholder Services XXXX. XXXX XXXX XXXX, Florida United States Phone : XXXX, The ReliaCard is issued by U.S. Bank National Association pursuant to a license from XXXX XXXX XXXX. or XXXX XXXX XXXX. Mastercard is a registered trademark and the circle 's design is a trademark of XXXX XXXX XXXX. The 1st card I would not activate so I had to wait for a second card. It usually takes 5-7 business days for the card to arrive. I was told that I needed to fax in a copy of my drivers license, my bills, and provided my full SSN number, and it would take 24 hours to be activated. I faxed these documents several times and I have not been availed to have access to my funds. My family and I are homeless, with one of my children who are XXXX, I have back bills and this company usbank-reliacard know this and they don't care. I have already filed several complaints with many managers and they don't care and even one of them named XXXX was laughing at my situation. Please do something about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/20, I was charged a {$76.00} charge from a company called XXXX XXXX out of MN. I live in CT and have never been to MN. I disputed this with my credit card and did receive a new credit card ASAP. However, I have called my credit card company 5 times to get the charges reversed and they have failed to do so. Also, I pay by bill in full and on time every month. Every month they charge me a finance charge which I have to fight to get back. This month it is {$12.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06492
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020 I received mail from U.S Bank ReliaCard with a debit card attached. I did not authorize nor did I apply for any account and/or benefits associated with this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90220
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Hello XXXX has another bank they go through and the bank has been taking money for my account without my authorization
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had all of these 3 accounts set up for auto bill pay, ( amount owed XXXX credit limit XXXX ) ( amount owed XXXX credit limit XXXX ) ( amount owed XXXX credit limit XXXX ) which if you see my pay records I am always on time with my payments. At the time I lived in a different house and I ended up moving. There was an issue with auto pay which I was unaware of due to me moving, so I never got notified till it was too late. The accounts had got late payments and gone into collections. I called sometime in XX/XX/2020 to negotiate with the collector ELAN Financial Services to get those items paid and removed but refused to assist with the issue. Due to these collections and late payments reporting I am unable to get approved for any type of credit or even get a mortgage. Causing plenty of financial distress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90640
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am receiving Pandemic Unemployment from PA. PA is using US BANK RELIACARD Debit card to disperse the money. Everything was fine and for the past 2.5 months, they have frozen my money and will not release it to me. I need that money. I have complied and sent my ID in and they still will not unfreeze my account. It is virtually impossible to contact them by phone so I do so on twitter and they say to send the info via the app, which I have done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19335
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A